I have electronic billing via email. I was never notified that there was a bill. Rather than contacting me, after 2 months, they sent me to the creditors. No phone call, no bill through mail, no bill through email, nothing. After I found out there was a bill, we immediately paid it and asked to be taken off the creditor report since we have outstanding credit. They refused and took no ownership for not sending us a bill, notifying us, etc. I'm done with Kohls.